Lares Municipio, Puerto Rico has a 2026 one-unit conforming loan limit of $832,750, which is 7.9 times the county's median home value of $105,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $18,917 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $105,100 |
| Puerto Rico median home value | $131,500 |
| Limit ÷ median home value | 7.92× |
| Median household income | $18,917 |
| Median home value ÷ income | 5.6× |
| Population | 27,855 |
| Median property tax paid (owners) | $199 |
| Effective property tax rate (approx.) | 0.19% |
| Owner-occupied homes | 63.0% |
| Home value rank in Puerto Rico | 58 of 78 counties |
| Neighbor: Adjuntas Municipio, PR | limit $832,750; median home $94,300 |
| Neighbor: Camuy Municipio, PR | limit $832,750; median home $109,600 |
| Neighbor: Hatillo Municipio, PR | limit $832,750; median home $134,800 |
| Neighbor: Las Marias Municipio, PR | limit $832,750; median home $86,500 |
| Neighbor: Maricao Municipio, PR | limit $832,750; median home $115,700 |
| Neighbor: San Sebastian Municipio, PR | limit $832,750; median home $115,000 |
| Neighbor: Utuado Municipio, PR | limit $832,750; median home $104,000 |
| Neighbor: Yauco Municipio, PR | limit $832,750; median home $100,200 |
Across Puerto Rico's 78 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Lares Municipio's median home value is 20% below the state median of $131,500 (rank 58 of 78). Among its 8 neighboring counties, Hatillo Municipio has the highest median home value ($134,800) and Las Marias Municipio the lowest ($86,500); all share the same loan limit. Owners pay a median $199 a year in property tax, an effective rate of about 0.19% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Lapeer County, MI
- 2026 conforming loan limit: Laporte County, IN
- 2026 conforming loan limit: Laramie County, WY
- 2026 conforming loan limit: Larimer County, CO
- 2026 conforming loan limit: Larue County, KY
- 2026 conforming loan limit: Las Animas County, CO
- 2026 conforming loan limit: Las Marias Municipio, PR
- 2026 conforming loan limit: Las Piedras Municipio, PR
Last updated 2026-10-16. Data only, not financial or tax advice.